United States securities and exchange commission logo
June 4, 2024
Greg Robertson
Chief Financial Officer
Business First Bancshares, Inc.
500 Laurel Street, Suite 101
Baton Rouge, Louisiana 70801
Re: Business First
Bancshares, Inc.
Form 10-K for
Fiscal Year Ended December 31, 2023
File No. 001-38447
Dear Greg Robertson:
We have limited our review of your filing to the financial
statements and related
disclosures and have the following comment.
Please respond to this letter within ten business days by
providing the requested
information or advise us as soon as possible when you will respond. If
you do not believe a
comment applies to your facts and circumstances, please tell us why in
your response.
After reviewing your
response to this letter, we may have additional comments.
Form 10-K for the Fiscal Year Ended December 31, 2023
Managements Discussion and Analysis of Financial Condition and Results
of Operations.
Loan Portfolio, page 53
1. In your tabular
disclosure on page 53, we note that owner and nonowner occupied
commercial real estate
("CRE") loans represented 44.4% of your total loan portfolio as of
December 31, 2023.
Please revise future filings to further disaggregate the composition of
your CRE loan portfolio
to disclose and quantify material geographic markets
in Louisiana and Texas,
industry concentrations (such as office, retail, hotel and
multifamily), as well
as current weighted average and/or a range of loan-to-value ratios
and occupancy rates to
enhance an investor's understanding of these loan categories. See
Item 303 of Regulation
S-K.
In closing, we remind you that the company and its management are
responsible for the
accuracy and adequacy of their disclosures, notwithstanding any review,
comments, action or
absence of action by the staff.
Please contact Sarmad
Makhdoom at 202-551-5776 or John Nolan at 202-551-3492 with
Greg Robertson
Business First Bancshares, Inc.
June 4, 2024
Page 2
any questions.
FirstName LastNameGreg Robertson Sincerely,
Comapany NameBusiness First Bancshares, Inc.
Division of Corporation Finance
June 4, 2024 Page 2 Office of Finance
FirstName LastName